There is always the small print and many insurers will not insure if the exhaust is altered etc like Footman James who will not quote.
I have spent a lot of time trying to get quotes and at the last minute, the broker than says he cannot provide cover for one reason or another.
Statistically, i suppose i am high risk with no accidents or claims since i started in 1969. Theory being i must be due for a claim by now. I do get 0 pounds excess which is hard for companies to match on the classics.
The boy Steve has told me his policy with peter James has increased very sharply so went elsewhere this time. He has used Admiral and Hastings for a low cost policy.
This gets funny, i just had a quote from PJ at 114 pounds and 50 pound excess. I tried to get a quote from CN and they will not quote unless they speak to me on the phone. This is for my T120r they already insure. Pity as this would have shown a direct price comparison. The 114 pounds quoted is way too high for 1500 miles a year cover.